成本收入比是指营业费用加折旧与营业收入之比，成本收入比不应高于45%。
2016年第三季度除了成本收入比仍稳定之外，加权平均比率较去年同期有所下滑。
Thee weighted average ratios for Q3 2016 have weakened compared to the same period of last year, with the exception of cost/income remaining stable.
全能银行总体上比专注于某个领域的银行有更稳定的收入和更低的借贷成本。
Universal banks generally have more stable earnings and lower borrowing costs than specialists in one or the other area of business.
指导前利润因为：比预计低的商品成本，高销售收入的杠杆平衡，较低的其他成本包括飞机票，电话等等。
Margins ahead of guidance because of: Better commodity costs than planned, leverage on higher revenue, lower other product costs including freight, phone support, etc.
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